Home Equity Loan Rates
Check with a CFCCU Loan Officer for exciting new options.
Home Equity Line of Credit⁹
APR¹ as low as
Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness and loan-to-value ratio. All loans subject to approval.
Maximum APR¹ is 21.00%. Add 1.75% to interest rate for loans with loan-to-value ratio over 85%.
The required minimum payment is $100 or payment is calculated on a 15-year term based on current APR¹ and balance outstanding.
EXAMPLE: A $20,000 HELOC balance at 3.50% APR¹, the monthly payment will be $143.
Home Equity Loans Closed End⁹
Loan Term
APR¹ as low as
EXAMPLE: A $20,000 loan for a term of 120 months with a 6.64% APR¹, the monthly payment will be $229.
EXAMPLE: A $50,000 loan for a term of 180 months with a 7.40% APR¹, the monthly payment will be $461.
Auto Loan Rates
New Vehicle Loans
2021 & newer with 20,000 miles or less
Loan Term
APR¹ as low as
EXAMPLE: A $40,000 loan for a term of 66 months with a 5.64% APR¹, the monthly payment will be $707.
Used Vehicles
2020 & newer with over 20,000 miles
Loan Term
APR¹ as low as
Used Vehicles
2019 Model Year
Loan Term
APR¹ as low as
Used Vehicles
2018 Model Year
Loan Term
APR¹ as low as
Used Vehicles
2017 Model Year
Loan Term
APR¹ as low as
Used Vehicles
2016 Model Year
Loan Term
APR¹ as low as
Used Vehicles
2015 Model Year
Loan Term
APR¹ as low as
Used Vehicles
2014 Model Year
LoanTerm
APR¹ as low as
Used Vehicles
2013 and Older Model Year
Loan Term
APR¹ as low as
Consumer Goods
Includes: fold-down campers, garden tractors, mopeds, scooters, computers, household good, and appliances
New Consumer Goods
Loan Term
APR¹ (20% Down) as low as
APR¹ (0% Down) as low as
EXAMPLE: A $15,000 loan with 20% down ($12,000 financed) for a term of 36 months with a 7.65% APR¹, the monthly payment will be $375.
EXAMPLE: A $15,000 loan with no money down for a term of 36 months with a 8.65% APR¹, the monthly payment will be $475.
Used Consumer Goods
Loan Term
APR¹ (Wholesale) as low as
APR¹ (Retail) as low as
Recreation Loans
Includes: off road motorcycles, UTV's, ATV's jet skis w/trailers, and snowmobiles
New 2019 & Newer Model Year
Loan Term
APR¹ as low as
¹⁰Loan amount must exceed $10,000 for 72-month term
EXAMPLE: A $15,000 loan $0 down, for a term of 72 months with a 6.50% APR¹, the monthly payment will be $253.
2015-2016 Model Year
Loan Term
APR¹ as low as
2017-2018 Model Year
Loan Term
APR¹ as low as
2014 & Older Model Year
Loan Term
APR¹ as low as
Personal Loan Rates
Loan Term
APR¹ as low as
EXAMPLE: A $3,000 loan for a term of 12 months with a 7.90% APR¹, the monthly payment will be $261.
¹APR – The Annual Percentage Rate is a variable rate and is subject to change without notice.
²APY – The Annual Percentage Yield Rate is a variable rate and is subject to change after account opening and without notice. APY is accurate as of the last dividend declaration date.
³Only available for members under age 18. Member may add to certificate balance at any time.
⁴Fees may reduce earnings on Share Certificates
⁵Fees may reduce earnings on Share Accounts
⁶Fees may reduce earnings on IRA & HSA Accounts
⁸Members can “Step-Up” the rate one time during the term of the certificate to the rate being paid on regular certificates of similar terms.
⁹Payments do not include taxes and insurance premiums. The actual payment obligation may be greater.